Independent Financial Adviser
Bath
I am based in Bath and provide my dedicated Independent Financial Advice services throughout Bath, Bristol, Somerset and Wiltshire. I came to financial advice after a career in military intelligence and I hold the CII Diploma in Regulated Financial Planning.
My goal is to help my clients achieve their financial objectives through comprehensive financial planning to increase or preserve their wealth. I specialise in investments, pensions, at-retirement options, inheritance tax planning and protection (life cover, critical illness cover, income protection).
I provide a bespoke advice service based on individual needs and aspirations, so that my clients are confident their financial plans meet their requirements. I am dedicated to a high level of customer service and take the time to explain my advice without the use of jargon, so that my clients understand the solutions we agree. I always put my clients first and go the extra mile to help.
I place great importance on providing ongoing advice and conducting regular reviews of my clients’ circumstances, to ensure their financial affairs remain suitable in light of their own situation and any legislative and market changes. You can rest assured that I will provide you with clear, expert financial advice.
Outside work, I spend much of my spare time training for long-distance triathlon, with a full Ironman the current goal.
Although I live in Bath, I regularly travel across Bristol, Somerset and Wiltshire to provide my Independent Financial Advice services to my clients. I operate as Duchy IFA, the South West practice of Abacus Associates, who are based in Hereford.
I specialise in the following advice services:
Lifetime Financial Planning
Through the use of sophisticated cash flow modelling techniques and by applying various inflation, interest rate and growth assumption we can plan how to get you where you want to be. The use of cashflow modelling is becoming the cornerstone of effective lifetime planning.
Later Life & Estate Planning
We spend a lifetime building our wealth, so it’s important to find the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.
Pension & Retirement Planning
When you think about the future, what does your retirement look like to you? An important question which we can help you answer.
Investment & Wealth Management
Creating, growing, and then maintaining wealth is key to successful financial planning and should be part of a longer-term investment strategy.
Personal Protection
Talking about illness, disability or death is never an easy conversation to have but protecting against the unexpected will help with financial security and ensure your family can cope should the worst happen.
Workplace Pensions
As an employer, you must auto-enrol certain staff into a workplace pension scheme and contribute towards it in order to meet legislative obligations.
Home & Contents Insurance
The largest and most important purchase most of us will ever make in our lifetime is our own home.
Business Protection Planning
The importance of business protection is often overlooked but is key to helping business owners plan for the unexpected.
Mortgage Planning
Securing the right mortgage can make the difference between a property that becomes a happy and secure family home and one that ends up as a financial burden.
Contact Andrew Daw, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.